How do you work with the double penalty? My paragon level is too high for H3 so I get a loot penalty. My CR level is too low so I get a massive dps penalty in H4. If I play were the game wants me I can't survive long enough to kill anything. If I play where I can live, I get a loot penalty.
How do you even stomach playing this game? This 'game' is an abomination. See my other comments on Diablo Immoral in these forums, you'll find those easily here. Don't play this game, it's horrible, a disgrace to the Diablo legacy. Just stop it and play Diablo 2: Resurrected instead, and hopefully when Diablo IV launches then we'll see a title worthy of the Diablo series. Hopefully.
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"For I know that my Redeemer liveth, and as the last Man He shall stand forth upon the Earth."